Topic: Wealth management How to limit the impact of inflation on your retirement?
Your wealth in good hands
You've worked hard to save and build up your assets, now it's time to sit back and enjoy. And you've got plans: travelling, buying a vacation home or RV, handing over your business and spending quality time with your loved ones.
That's where we come in. We work with you to create a personalized financial plan that lets you reach your goals while maximizing your wealth, so you can focus on the things that matter to you.
A complete financial plan for the retirement you want
With the help of various specialists, we'll look at your assets and finances to create a comprehensive wealth management plan that includes retirement planning, investing, insurance, estate planning and more.
A detailed and adaptable retirement projection
A financial plan that includes a retirement projection allows us to:
- Identify your sources of retirement income
- Review your retirement goals
- Estimate your annual expenses after retirement
- Establish a withdrawal strategy for your savings
We'll adjust your projection periodically based on factors like inflation and market volatility, making sure that it continues to meet your needs and lets you maintain your desired standard of living.
A tax-efficient withdrawal strategy
It's important to figure out how you're going to withdraw your money from your savings plan. The right withdrawal strategy allows you to optimize your savings and reduce your taxes, leaving more money for you and your loved ones.
A flexible investment strategy
Whether you're retiring or getting ready to retire, we recommend that you keep updating your strategy based on your targets and investor profile. You want to meet your day-to-day needs while making sure that your savings last you as long as possible.
Do you still have the right insurance coverage?
Before you retire, it's important to make sure that you still have the right life, health and disability insurance.
With our universal life insurance, you can grow your money by combining investing and insurance. If you've maxed out your RRSP and TFSA contributions, our universal life insurance can help you diversify your assets and leave a bigger inheritance to your family.
An estate plan that protects your wealth
We understand that passing on your wealth is a top priority. With the help of tax experts and notaries, your advisor will show you how you can reduce taxes on your estate, optimize the transfer of your wealth and protect your assets for the next generation.
We always work to ensure that your wishes are respected and that your family harmony is preserved.
Flexible financial solutions to reach your goals
Take advantage of our wide range of financing solutions and credit cards for all your credit needs. With our Odyssey® Visa Infinite Privilege* card you'll enjoy several benefits, including an exclusive concierge service.
Do you spend part of the year in the US or travel there often? See how Desjardins Bank's financial services make it easy for you to manage your day-to-day banking in the US.
A philanthropic fund for the causes you care about
Do you want to use your wealth to help others? A philanthropic fund makes it easy to support the organizations and causes that matter to you.
We help you create and personalize your fund, plan your donations to maximize your tax credits, and determine the donation type, whether it's cash, a life insurance policy or a charitable bequest in your will.
Sell or transfer your business with confidence
You've put a lifetime of work into your business, and you want to get it right when you pass the torch. Our business transfer specialists will guide you through this important process, helping ensure that your business continues to thrive into the future.
We'll guide you through the process of creating a business succession plan which includes optimizing your structure, analyzing legal documents, organizational planning and developing a business transfer strategy.
Why work with a wealth management advisor?
Retirement is the perfect time to get help from an advisor if you haven't already done so. We'll work with you to draw up a comprehensive financial plan that leaves nothing to chance so you can enjoy your retirement with peace of mind.
Here are some of the things an advisor can do for you:
- Get a full view of your finances and make you aware of things you might not have considered
- Put you in touch with tax and estate law specialists so you can make the right decisions
- Set up an investment strategy that lets you maximize the wealth you pass on
- Help you prepare for the unexpected
- Listen to your concerns and revise your plan as your situation changes
- Consider the needs of your loved ones so that they're taken care of in the future
Make an appointment
By phone
Montreal area:
514-224-7737 This link opens your phone app (514-CAISSES)
Elsewhere in Canada and the US:
1-800-224-7737 This link opens your phone app (1-800-CAISSES)
Or have us call you when it's convenient.
Tips to enjoy and transfer your wealth
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Topic: Skills development Is there life after selling a business?
